@olivia We live in NY. Taxes are around $9,000/year for us, so that's why the "mortgage/taxes/utilities" number is quite high.
@OllyOlly For full disclosure purposes: I made $56,500 starting out. I've been working full-time 4 years now.
@Fig. 1 Corgis gotta corg, and Rufus corgs pretty hard ;)
Maybe I should clarify a little bit. I make $75,000 gross. Net, I bring home $48,000 (after retirement contributions, insurance, and taxes). I have bills to the tune of $1,850/month (mortgage/utilities: $1,000, Car payment & insurance: $415, Cell phone: $80, Student loan repayment: $350). After bills, I've got $22,000 left in a year to spend/save. $800/month is going to wedding savings right now, around $300/month to the credit card debt, $120/month on gas, and the rest is basically spent on food, Rufus, and whatever else. Also: The original loan total after undergrad was $45,000. I miscalculated when we had the original conversation. I used the groceries as a way of illustrating that I spend money without consciously thinking about whether or not I need something before I purchase it. A lot of that $22,000 that's left is spent without thinking about it, and that's something I need to work on.
So, I was focused on paying off all my consumer debt ASAP, but of course life happened and I got engaged. So, now, saving for the wedding which is happening a year from now is the priority - and our wedding venue only accepts cash or check - which is actually a relief to me because I am TERRIBLE with credit cards To that end, I locked up every single credit card - because despite wanting to pay them off I have zero self-control and was using them ALL THE TIME. So, at least the debt balances will start a steady (if slow) decline instead of hovering around the same place. So: Total consumer debt June 2013: $10,674 Total consumer debt July 2013: $10,354 First month this has gone down! Also, largest amount of consumer debt I've ever been in D:. This is spread across 4 cards, but since I'm focusing on wedding savings I'm lumping it all together. Total wedding savings June 2013: $433 Total wedding savings July 2013: $283 This took a big hit this month since we had a family wedding and trip already planned. I'm really ramping this up the next 12 months though.
I estimated $150 for baseball game, BBQ, gas and groceries and I spent $179, so not too bad! The baseball game, I estimated around $30 and I got off scott-free on that as the boyfriend was feeling super generous. Then I saw the baseball team store and it was over. Spent $44 on a sweatshirt - however, I literally have NO SWEATSHIRTS left from last winter/summer, and also I'm supporting a local team so I'm okay with it. I actually spent $0 on Saturday. And took a super super long bike ride, so exercise also. ACCOMPLISHMENTS. Sunday I bought a lot of healthy food ($98) and we had a small BBQ at our place and ate most of it. There's leftover salad and cold cuts for lunch/dinner today and tomorrow and then I have to pantry scrounge. Also, $39 for gas. I just got a new car, so figuring out how much it'll cost bi-weekly to fill the tank/get me from place to place is still a work in progress.
I mean, ideally, AUSTERITY. I've got some problems I need to throw my money at, but that's a different story for a different thread. Tonight we're going to a minor league baseball game. Between parking ($5), admission ($8), dollar beers ($1x????), and maybe some food ($10) I'm guessing around $30. BBQ tomorrow at a family friend's place so we'll probably pick up some kind of alcoholic beverage to bring, but its boyfriend's family's friend so I'm off the hook! Maybe a supermarket run on Sunday for around $50, and maybe some gas for the car $50. Lets say $150 :)
Truth. This is so much truth. I'm like, super over-achiever person always 100% of the time. And lately, at my current job (which I've been at for close to three years now), I can't get the motivation to do ANYTHING because management of the department I'm in does not have any management experience. AT.ALL. And, although its not in corporate America, I DO have management experience. So, it makes it super frustrating and awkward when super-over-achiever self surpasses manager/director in knowledge of how to get a process working better/not be spinning our wheels at the last mintue on projects. Plus, my manager is super nice, but my director is ridiculous. I got nasty emails when I left, with permission from my direct supervisor, two days in a row at 5PM during our busy season, but this guy needs a landscaping estimate and his OnStar fixed, and can take a half day off. SERIOUSLY?!?!
This was fascinating. I blew through my lunch break reading all the studies they published so far. The way they were totally objective about their reporting should be commended big time - you can see the amount of debate already going on here about how some of those families are spending on ridiculous things, or at ridiculous levels. I could relate big-time. I think I'd be considered upper-middle class probably, but I make some super stupid spending decisions for things I "needrightnow". Its comforting to know I'm not alone, and that not everyone has it totally together when it comes to finances.
My brother used to play Diablo and there was this one world(?) level(?) whatever it was and all that existed was a bunch of mad cows walking on their hind legs. And all you had to do was go on a killing frenzy. Super violent, but super stress-relieving at the same time I guess? I do remember him getting all worked up over items and trading them for other items though. I think he might have even bought some on ebay before it was banned.